Regarding the $26K in rental losses, if you sell the property without utilizing those losses against other income, they could indeed go unused, resulting in no tax benefit.

Do investors own the properties in individual LLCs which are all owned by a holding company LLC?

Wind/Hail has hit them hard over and over to the point that a lot of companies have pulled out. 

My initial strategy was house hacking but the cash flow isn’t steady and utilities bills are killing me.

If you have a larger site and are doing development, the advice by @Ronald Rohde is great, to get creative with the utilization of this part of the land that is within the floodplain.I'm happy to answer more specific questions on this site if you wish to reach out. 

I've been paying escrow+mortgage on rentals since 2015 and never had this happen to me.Details:Mortgage company does an escrow analysis and finds the following:2023 Taxes $1648 + Insurance $1634 = Total: $3282New Escrow for 2024Taxes $2331 + Insurance $1918 = NEW TOTAL: $4250- With increased tax and insurance I owe $968 more on escrow.- $968 difference paid out over 12 months would be $80.60 per month MORE.The mortgage company is claiming that I owe $3,000 MORE in escrow and is charging me an additional $250 per month.I checked with them and I've NEVER missed a payment and have been up to date this whole time.They say its not a mistake but couldn't explain why I owed $3000 more instead of $968 more for the year.Am I missing something? 

I’m considering utilizing an FHA 203k loan to purchase a single-family home for a house hack.

We were contacted by our PM regarding this coverage and they recommended this company.  

We’re closing both offices and working remotely and will be better companies for it.

I just converted a single family house into a two family house is it worth splitting the utilities